“一项基本权利”：英国商业街连锁店和餐馆因拒绝接受现金而受到质疑
正文翻译
‘A fundamental right’: UK high street chains and restaurants challenged over refusal to accept cash
-As more of us reject tapping and swiping, campaigners and politicians say the law should force retailers to accept coins and notes
“一项基本权利”：英国商业街连锁店和餐馆因拒绝接受现金而受到质疑
——随着越来越多的人拒绝按键和刷卡，活动人士和政客们表示，这项法律应该迫使零售商接受硬币和纸币
(A number of businesses are taking card payments only.)
（许多商家只接受信用卡支付。）
新闻：
Major high street chains and restaurants, including Gail’s bakery, Itsu and Zizzi, are being challenged by campaigners over their refusal to accept cash after a jump in consumers turning to notes and coins for daily spending.
由于越来越多的消费者在日常消费中使用纸币和硬币，包括盖尔面包店、Itsu和Zizzi在内的主要商业街连锁店和餐馆拒绝接受现金，这受到了活动人士的挑战。
Following a steady decline in cash payments over the last decade, consumer groups says the cost of living crisis has seen more people turning to the traditional payment method for day-to-day spending. In 2023, 1.5 million adults in the UK were using cash for daily spending, a four-year high.
消费者团体表示，在过去10年现金支付稳步下降之后，生活成本危机使更多人转向传统的支付方式进行日常支出。2023年，英国有150万成年人使用现金进行日常消费，创下四年来的新高。
Ron Delnevo, chair of the Payment Choice Alliance, which campaigns for the long-term future of cash services, said it was “completely unacceptable” that some stores were rejecting cash. The alliance wants new laws similar to those in some other countries requiring organisations and retailers to accept cash.
支付选择联盟主席罗恩·德尔内沃表示，一些商店拒绝现金支付是“完全不可接受的”。该联盟致力于推动现金服务的长期发展。该联盟希望出台类似于其他一些国家的新法律，要求组织和零售商接受现金。
“The vast majority of the public want cash to be honoured as a payment,” he said. “These businesses are letting down the public.” Delnevo said a survey conducted by YouGov in June 2023 on behalf of the alliance revealed that 71% of British adults would support a legal requirement for businesses to accept cash.
他说：“绝大多数公众希望以现金支付。这些企业让公众失望了。”德尔内沃表示，舆观在2023年6月代表该联盟进行的一项调查显示，71%的英国成年人支持法律要求企业接受现金。
Gail’s, which has more than 150 stores, says going cashless has “environmental benefits” in eliminating the need for cash collection and delivery. Itsu, which promotes “affordable, nutritious food” rolled out cashless payments after a successful trial, and Zizzi says it only accepts card and contactless payments for the “smoothest and fastest” payment experience.
拥有150多家门店的盖尔表示，无现金化有“环境效益”，因为它消除了收取和运送现金的需要。Itsu是一家推广“价格实惠、营养丰富的食品”的公司，在一次成功的试验后，它推出了无现金支付。Zizzi表示，为了获得“最顺畅、最快”的支付体验，它只接受信用卡和非接触式支付。
The coffee and bakery chain Pret a Manger has piloted cashless outlets but still accepts cash in most of its 490 shops in the UK. It found the cashless service was faster but decided against a wider roll-out in favour of customer choice.
咖啡和烘焙连锁店Pret a Manger已经试点了无现金门店，但在其位于英国的490家门店中，大多数仍接受现金。它发现无现金服务更快，但决定不广泛推广，支持客户选择。
The Treasury sext committee is expected to report shortly on its inquiry into whether there is any need to regulate or mandate the acceptance of cash. An early day motion tabled in parliament last month calls for the government to implement legislation to require all businesses in the UK to accept cash, but ministers have said they have no plans to mandate the acceptance of cash.
预计财政部特别委员会将很快就是否有必要监管或强制接受现金的问题进行调查。英国议会上月早些时候提交的一份动议呼吁政府实施立法，要求英国所有企业接受现金，但大臣们表示，他们没有强制要求接受现金的计划。
The motion highlights concerns at the “rapidly increasing trend for UK businesses, local authorities and leisure facilities, including those supported by taxpayer funding, to refuse to accept cash for payments”. Car parks, train buffets and leisure centres are among the services that have gone cashless.
该动议凸显了对“英国企业、地方当局和休闲设施（包括由纳税人资助的设施）拒绝接受现金支付的迅速增长趋势”的担忧。停车场、火车自助餐厅和休闲中心等服务都已实现无现金化。
Kate Osborne, the Labour MP for Jarrow and Gateshead East, who has signed the early day motion, said: “It is a fundamental right that people should be able to use cash as a legal tender. When you are trying to budget, particularly if you are on a low income, cash is a simple way of doing it. I understand that many people are not using cash much of the time, but there should be choice for all.
贾罗和盖茨黑德东区的工党议员凯特·奥斯本签署了早前的动议，她说：“人们应该能够使用现金作为法定货币，这是一项基本权利。当你试着做预算的时候，特别是如果你的收入很低，用现金是一个简单的方法。我知道很多人不经常使用现金，但所有人都应该有选择。
“We are seeing more and more retailers offering card-only payments, and it causes problems in constituencies like mine where we’ve got a high number of people who are digitally excluded or may choose not to do electronic banking.” Osborne said that cash can be more convenient. “I’ve been on trains before and the system [for the buffet] has gone down and they can’t take cash,” she said. “You could be on a train for three or four hours, and you can’t even buy a cup of tea.”
“我们看到越来越多的零售商只提供银行卡支付，这在像我这样的选区造成了问题，那里有很多人被数字排斥在外，或者可能选择不使用电子银行。”奥斯本说，现金可以更方便。“我以前坐过火车，（自助餐）系统坏了，他们不能收现金，”她说。“你可能在火车上坐了三四个小时，却连一杯茶都买不到。”
Use of cash has fallen dramatically in the last decade, from more than half of payments in 2009 to about 12% in 2023. Yet it is still the second most frequently used method of payment in the UK after debit card.
在过去十年中，现金的使用急剧下降，从2009年的一半以上下降到2023年的12%左右。然而，在英国，它仍然是仅次于借记卡的第二大常用支付方式。
Cash accounted for 6bn payments in 2023, with the number of people who mainly use cash rising from about 900,000 in 2022 to 1.5m in 2023, according to figures from the trade association UK Finance.
英国金融行业协会的数据显示，2023年现金支付总额为60亿笔，主要使用现金的人数从2022年的约90万增加到2023年的150万。
Ajay Banga, now president of the World Bank, revealed the roadmap of the finance industry in 2017 when, as chief executive of Mastercard, he stated in an interview: “My enemy is cash.” The international finance industry now faces resistance over its eagerness for cashless transactions.
现任世界银行行长的阿贾伊·班加在2017年透露了金融业的路线图，当时他作为万事达卡首席执行官在一次采访中表示：“我的敌人是现金。”国际金融业对无现金交易的渴望现在面临着阻力。
Sweden has been at the forefront of countries moving towards a cashless society, with the New York Times reporting in 2018 that about 4,000 Swedes had implanted microchips in their hands to pay for travel or food, or enter keyless offices. Mounting cyber crime and the rising threat from Russia have led to a rethink, with residents now advised to keep enough cash at home for at least one week.
瑞典一直走在迈向无现金社会的国家的前列，《纽约时报》在2018年报道称，约有4000名瑞典人在手中植入微芯片，以支付旅行或食物费用，或进入无钥匙办公室。不断增加的网络犯罪和来自俄罗斯的威胁促使人们重新思考，现在建议居民在家里存放至少足够一周使用的现金。
While cash can help provide resilience in the event of an attack or collapse in the financial system, many consumers also turn to coins and notes for budgeting. A system known as “cash stuffing” – using envelopes for different categories of spending – has racked up hundreds of millions of views on TikTok, but security experts advise against keeping large amounts of cash at home.
虽然现金可以在金融系统遭受攻击或崩溃时提供抵御能力，但许多消费者也会使用硬币和纸币来进行预算。一种被称为“现金填充”的系统——用信封装不同类别的支出——在抖音上已经积累了数亿次的点击量，但安全专家建议不要在家里存放大量现金。
May Fairweather, a financial coach and executive director at the nonprofit organisation Talk About Money, said the financial industry wanted “frictionless” purchases because it made it easier for people to spend money.
非营利组织“谈论金钱”的财务教练兼执行董事梅·费尔韦瑟表示，金融业希望“无摩擦”的购买，因为这让人们更容易花钱。
“Cash adds friction, and that can be a good thing,” she said. “It gives people time to think and time to make proper decisions.” She also said thatnotes and coins remind people trying to budget that money is “finite”.
“现金增加了摩擦，这可能是一件好事，”她说。“这让人们有时间思考，有时间做出正确的决定。”她还表示，纸币和硬币提醒人们，钱是“有限的”。
The Financial Conduct Authority (FCA) says that about 3 million people continue to rely on cash, even as digital payments become more popular. It introduced rules last September requiring banks and building societies to ensure reasonable access to cash withdrawal and deposit services.
英国金融市场行为监管局表示，尽管数字支付越来越流行，但仍有大约300万人继续依赖现金。去年9月出台的规定要求银行和建房互助会确保合理的现金提取和存款服务。
A Treasury spokesperson said: “We recognise that cash continues to be used by millions across the UK. While we have no plans to mandate cash acceptance, individual businesses can decide which payment methods they accept, and new rules introduced by the FCA support those that do want to continue accepting cash by enabling business to make deposits.”
一位财政部发言人表示：“我们认识到，英国各地仍有数百万人在使用现金。虽然我们没有计划强制接受现金，但个人企业可以决定他们接受哪种支付方式，金融市场行为监管局推出的新规则支持那些希望通过允许企业存款来继续接受现金的企业。”
Gail’s, Itsu and Zizzi have been contacted for comment.
记者已联系了盖尔、Itsu和Zizzi请其置评。
-As more of us reject tapping and swiping, campaigners and politicians say the law should force retailers to accept coins and notes
“一项基本权利”：英国商业街连锁店和餐馆因拒绝接受现金而受到质疑
——随着越来越多的人拒绝按键和刷卡，活动人士和政客们表示，这项法律应该迫使零售商接受硬币和纸币
(A number of businesses are taking card payments only.)
（许多商家只接受信用卡支付。）
新闻：
Major high street chains and restaurants, including Gail’s bakery, Itsu and Zizzi, are being challenged by campaigners over their refusal to accept cash after a jump in consumers turning to notes and coins for daily spending.
由于越来越多的消费者在日常消费中使用纸币和硬币，包括盖尔面包店、Itsu和Zizzi在内的主要商业街连锁店和餐馆拒绝接受现金，这受到了活动人士的挑战。
Following a steady decline in cash payments over the last decade, consumer groups says the cost of living crisis has seen more people turning to the traditional payment method for day-to-day spending. In 2023, 1.5 million adults in the UK were using cash for daily spending, a four-year high.
消费者团体表示，在过去10年现金支付稳步下降之后，生活成本危机使更多人转向传统的支付方式进行日常支出。2023年，英国有150万成年人使用现金进行日常消费，创下四年来的新高。
Ron Delnevo, chair of the Payment Choice Alliance, which campaigns for the long-term future of cash services, said it was “completely unacceptable” that some stores were rejecting cash. The alliance wants new laws similar to those in some other countries requiring organisations and retailers to accept cash.
支付选择联盟主席罗恩·德尔内沃表示，一些商店拒绝现金支付是“完全不可接受的”。该联盟致力于推动现金服务的长期发展。该联盟希望出台类似于其他一些国家的新法律，要求组织和零售商接受现金。
“The vast majority of the public want cash to be honoured as a payment,” he said. “These businesses are letting down the public.” Delnevo said a survey conducted by YouGov in June 2023 on behalf of the alliance revealed that 71% of British adults would support a legal requirement for businesses to accept cash.
他说：“绝大多数公众希望以现金支付。这些企业让公众失望了。”德尔内沃表示，舆观在2023年6月代表该联盟进行的一项调查显示，71%的英国成年人支持法律要求企业接受现金。
Gail’s, which has more than 150 stores, says going cashless has “environmental benefits” in eliminating the need for cash collection and delivery. Itsu, which promotes “affordable, nutritious food” rolled out cashless payments after a successful trial, and Zizzi says it only accepts card and contactless payments for the “smoothest and fastest” payment experience.
拥有150多家门店的盖尔表示，无现金化有“环境效益”，因为它消除了收取和运送现金的需要。Itsu是一家推广“价格实惠、营养丰富的食品”的公司，在一次成功的试验后，它推出了无现金支付。Zizzi表示，为了获得“最顺畅、最快”的支付体验，它只接受信用卡和非接触式支付。
The coffee and bakery chain Pret a Manger has piloted cashless outlets but still accepts cash in most of its 490 shops in the UK. It found the cashless service was faster but decided against a wider roll-out in favour of customer choice.
咖啡和烘焙连锁店Pret a Manger已经试点了无现金门店，但在其位于英国的490家门店中，大多数仍接受现金。它发现无现金服务更快，但决定不广泛推广，支持客户选择。
The Treasury sext committee is expected to report shortly on its inquiry into whether there is any need to regulate or mandate the acceptance of cash. An early day motion tabled in parliament last month calls for the government to implement legislation to require all businesses in the UK to accept cash, but ministers have said they have no plans to mandate the acceptance of cash.
预计财政部特别委员会将很快就是否有必要监管或强制接受现金的问题进行调查。英国议会上月早些时候提交的一份动议呼吁政府实施立法，要求英国所有企业接受现金，但大臣们表示，他们没有强制要求接受现金的计划。
The motion highlights concerns at the “rapidly increasing trend for UK businesses, local authorities and leisure facilities, including those supported by taxpayer funding, to refuse to accept cash for payments”. Car parks, train buffets and leisure centres are among the services that have gone cashless.
该动议凸显了对“英国企业、地方当局和休闲设施（包括由纳税人资助的设施）拒绝接受现金支付的迅速增长趋势”的担忧。停车场、火车自助餐厅和休闲中心等服务都已实现无现金化。
Kate Osborne, the Labour MP for Jarrow and Gateshead East, who has signed the early day motion, said: “It is a fundamental right that people should be able to use cash as a legal tender. When you are trying to budget, particularly if you are on a low income, cash is a simple way of doing it. I understand that many people are not using cash much of the time, but there should be choice for all.
贾罗和盖茨黑德东区的工党议员凯特·奥斯本签署了早前的动议，她说：“人们应该能够使用现金作为法定货币，这是一项基本权利。当你试着做预算的时候，特别是如果你的收入很低，用现金是一个简单的方法。我知道很多人不经常使用现金，但所有人都应该有选择。
“We are seeing more and more retailers offering card-only payments, and it causes problems in constituencies like mine where we’ve got a high number of people who are digitally excluded or may choose not to do electronic banking.” Osborne said that cash can be more convenient. “I’ve been on trains before and the system [for the buffet] has gone down and they can’t take cash,” she said. “You could be on a train for three or four hours, and you can’t even buy a cup of tea.”
“我们看到越来越多的零售商只提供银行卡支付，这在像我这样的选区造成了问题，那里有很多人被数字排斥在外，或者可能选择不使用电子银行。”奥斯本说，现金可以更方便。“我以前坐过火车，（自助餐）系统坏了，他们不能收现金，”她说。“你可能在火车上坐了三四个小时，却连一杯茶都买不到。”
Use of cash has fallen dramatically in the last decade, from more than half of payments in 2009 to about 12% in 2023. Yet it is still the second most frequently used method of payment in the UK after debit card.
在过去十年中，现金的使用急剧下降，从2009年的一半以上下降到2023年的12%左右。然而，在英国，它仍然是仅次于借记卡的第二大常用支付方式。
Cash accounted for 6bn payments in 2023, with the number of people who mainly use cash rising from about 900,000 in 2022 to 1.5m in 2023, according to figures from the trade association UK Finance.
英国金融行业协会的数据显示，2023年现金支付总额为60亿笔，主要使用现金的人数从2022年的约90万增加到2023年的150万。
Ajay Banga, now president of the World Bank, revealed the roadmap of the finance industry in 2017 when, as chief executive of Mastercard, he stated in an interview: “My enemy is cash.” The international finance industry now faces resistance over its eagerness for cashless transactions.
现任世界银行行长的阿贾伊·班加在2017年透露了金融业的路线图，当时他作为万事达卡首席执行官在一次采访中表示：“我的敌人是现金。”国际金融业对无现金交易的渴望现在面临着阻力。
Sweden has been at the forefront of countries moving towards a cashless society, with the New York Times reporting in 2018 that about 4,000 Swedes had implanted microchips in their hands to pay for travel or food, or enter keyless offices. Mounting cyber crime and the rising threat from Russia have led to a rethink, with residents now advised to keep enough cash at home for at least one week.
瑞典一直走在迈向无现金社会的国家的前列，《纽约时报》在2018年报道称，约有4000名瑞典人在手中植入微芯片，以支付旅行或食物费用，或进入无钥匙办公室。不断增加的网络犯罪和来自俄罗斯的威胁促使人们重新思考，现在建议居民在家里存放至少足够一周使用的现金。
While cash can help provide resilience in the event of an attack or collapse in the financial system, many consumers also turn to coins and notes for budgeting. A system known as “cash stuffing” – using envelopes for different categories of spending – has racked up hundreds of millions of views on TikTok, but security experts advise against keeping large amounts of cash at home.
虽然现金可以在金融系统遭受攻击或崩溃时提供抵御能力，但许多消费者也会使用硬币和纸币来进行预算。一种被称为“现金填充”的系统——用信封装不同类别的支出——在抖音上已经积累了数亿次的点击量，但安全专家建议不要在家里存放大量现金。
May Fairweather, a financial coach and executive director at the nonprofit organisation Talk About Money, said the financial industry wanted “frictionless” purchases because it made it easier for people to spend money.
非营利组织“谈论金钱”的财务教练兼执行董事梅·费尔韦瑟表示，金融业希望“无摩擦”的购买，因为这让人们更容易花钱。
“Cash adds friction, and that can be a good thing,” she said. “It gives people time to think and time to make proper decisions.” She also said thatnotes and coins remind people trying to budget that money is “finite”.
“现金增加了摩擦，这可能是一件好事，”她说。“这让人们有时间思考，有时间做出正确的决定。”她还表示，纸币和硬币提醒人们，钱是“有限的”。
The Financial Conduct Authority (FCA) says that about 3 million people continue to rely on cash, even as digital payments become more popular. It introduced rules last September requiring banks and building societies to ensure reasonable access to cash withdrawal and deposit services.
英国金融市场行为监管局表示，尽管数字支付越来越流行，但仍有大约300万人继续依赖现金。去年9月出台的规定要求银行和建房互助会确保合理的现金提取和存款服务。
A Treasury spokesperson said: “We recognise that cash continues to be used by millions across the UK. While we have no plans to mandate cash acceptance, individual businesses can decide which payment methods they accept, and new rules introduced by the FCA support those that do want to continue accepting cash by enabling business to make deposits.”
一位财政部发言人表示：“我们认识到，英国各地仍有数百万人在使用现金。虽然我们没有计划强制接受现金，但个人企业可以决定他们接受哪种支付方式，金融市场行为监管局推出的新规则支持那些希望通过允许企业存款来继续接受现金的企业。”
Gail’s, Itsu and Zizzi have been contacted for comment.
记者已联系了盖尔、Itsu和Zizzi请其置评。
评论翻译
‘A fundamental right’: UK high street chains and restaurants challenged over refusal to accept cash
-As more of us reject tapping and swiping, campaigners and politicians say the law should force retailers to accept coins and notes
“一项基本权利”：英国商业街连锁店和餐馆因拒绝接受现金而受到质疑
——随着越来越多的人拒绝按键和刷卡，活动人士和政客们表示，这项法律应该迫使零售商接受硬币和纸币
(A number of businesses are taking card payments only.)
（许多商家只接受信用卡支付。）
新闻：
Major high street chains and restaurants, including Gail’s bakery, Itsu and Zizzi, are being challenged by campaigners over their refusal to accept cash after a jump in consumers turning to notes and coins for daily spending.
由于越来越多的消费者在日常消费中使用纸币和硬币，包括盖尔面包店、Itsu和Zizzi在内的主要商业街连锁店和餐馆拒绝接受现金，这受到了活动人士的挑战。
Following a steady decline in cash payments over the last decade, consumer groups says the cost of living crisis has seen more people turning to the traditional payment method for day-to-day spending. In 2023, 1.5 million adults in the UK were using cash for daily spending, a four-year high.
消费者团体表示，在过去10年现金支付稳步下降之后，生活成本危机使更多人转向传统的支付方式进行日常支出。2023年，英国有150万成年人使用现金进行日常消费，创下四年来的新高。
Ron Delnevo, chair of the Payment Choice Alliance, which campaigns for the long-term future of cash services, said it was “completely unacceptable” that some stores were rejecting cash. The alliance wants new laws similar to those in some other countries requiring organisations and retailers to accept cash.
支付选择联盟主席罗恩·德尔内沃表示，一些商店拒绝现金支付是“完全不可接受的”。该联盟致力于推动现金服务的长期发展。该联盟希望出台类似于其他一些国家的新法律，要求组织和零售商接受现金。
“The vast majority of the public want cash to be honoured as a payment,” he said. “These businesses are letting down the public.” Delnevo said a survey conducted by YouGov in June 2023 on behalf of the alliance revealed that 71% of British adults would support a legal requirement for businesses to accept cash.
他说：“绝大多数公众希望以现金支付。这些企业让公众失望了。”德尔内沃表示，舆观在2023年6月代表该联盟进行的一项调查显示，71%的英国成年人支持法律要求企业接受现金。
Gail’s, which has more than 150 stores, says going cashless has “environmental benefits” in eliminating the need for cash collection and delivery. Itsu, which promotes “affordable, nutritious food” rolled out cashless payments after a successful trial, and Zizzi says it only accepts card and contactless payments for the “smoothest and fastest” payment experience.
拥有150多家门店的盖尔表示，无现金化有“环境效益”，因为它消除了收取和运送现金的需要。Itsu是一家推广“价格实惠、营养丰富的食品”的公司，在一次成功的试验后，它推出了无现金支付。Zizzi表示，为了获得“最顺畅、最快”的支付体验，它只接受信用卡和非接触式支付。
The coffee and bakery chain Pret a Manger has piloted cashless outlets but still accepts cash in most of its 490 shops in the UK. It found the cashless service was faster but decided against a wider roll-out in favour of customer choice.
咖啡和烘焙连锁店Pret a Manger已经试点了无现金门店，但在其位于英国的490家门店中，大多数仍接受现金。它发现无现金服务更快，但决定不广泛推广，支持客户选择。
The Treasury sext committee is expected to report shortly on its inquiry into whether there is any need to regulate or mandate the acceptance of cash. An early day motion tabled in parliament last month calls for the government to implement legislation to require all businesses in the UK to accept cash, but ministers have said they have no plans to mandate the acceptance of cash.
预计财政部特别委员会将很快就是否有必要监管或强制接受现金的问题进行调查。英国议会上月早些时候提交的一份动议呼吁政府实施立法，要求英国所有企业接受现金，但大臣们表示，他们没有强制要求接受现金的计划。
The motion highlights concerns at the “rapidly increasing trend for UK businesses, local authorities and leisure facilities, including those supported by taxpayer funding, to refuse to accept cash for payments”. Car parks, train buffets and leisure centres are among the services that have gone cashless.
该动议凸显了对“英国企业、地方当局和休闲设施（包括由纳税人资助的设施）拒绝接受现金支付的迅速增长趋势”的担忧。停车场、火车自助餐厅和休闲中心等服务都已实现无现金化。
Kate Osborne, the Labour MP for Jarrow and Gateshead East, who has signed the early day motion, said: “It is a fundamental right that people should be able to use cash as a legal tender. When you are trying to budget, particularly if you are on a low income, cash is a simple way of doing it. I understand that many people are not using cash much of the time, but there should be choice for all.
贾罗和盖茨黑德东区的工党议员凯特·奥斯本签署了早前的动议，她说：“人们应该能够使用现金作为法定货币，这是一项基本权利。当你试着做预算的时候，特别是如果你的收入很低，用现金是一个简单的方法。我知道很多人不经常使用现金，但所有人都应该有选择。
“We are seeing more and more retailers offering card-only payments, and it causes problems in constituencies like mine where we’ve got a high number of people who are digitally excluded or may choose not to do electronic banking.” Osborne said that cash can be more convenient. “I’ve been on trains before and the system [for the buffet] has gone down and they can’t take cash,” she said. “You could be on a train for three or four hours, and you can’t even buy a cup of tea.”
“我们看到越来越多的零售商只提供银行卡支付，这在像我这样的选区造成了问题，那里有很多人被数字排斥在外，或者可能选择不使用电子银行。”奥斯本说，现金可以更方便。“我以前坐过火车，（自助餐）系统坏了，他们不能收现金，”她说。“你可能在火车上坐了三四个小时，却连一杯茶都买不到。”
Use of cash has fallen dramatically in the last decade, from more than half of payments in 2009 to about 12% in 2023. Yet it is still the second most frequently used method of payment in the UK after debit card.
在过去十年中，现金的使用急剧下降，从2009年的一半以上下降到2023年的12%左右。然而，在英国，它仍然是仅次于借记卡的第二大常用支付方式。
Cash accounted for 6bn payments in 2023, with the number of people who mainly use cash rising from about 900,000 in 2022 to 1.5m in 2023, according to figures from the trade association UK Finance.
英国金融行业协会的数据显示，2023年现金支付总额为60亿笔，主要使用现金的人数从2022年的约90万增加到2023年的150万。
Ajay Banga, now president of the World Bank, revealed the roadmap of the finance industry in 2017 when, as chief executive of Mastercard, he stated in an interview: “My enemy is cash.” The international finance industry now faces resistance over its eagerness for cashless transactions.
现任世界银行行长的阿贾伊·班加在2017年透露了金融业的路线图，当时他作为万事达卡首席执行官在一次采访中表示：“我的敌人是现金。”国际金融业对无现金交易的渴望现在面临着阻力。
Sweden has been at the forefront of countries moving towards a cashless society, with the New York Times reporting in 2018 that about 4,000 Swedes had implanted microchips in their hands to pay for travel or food, or enter keyless offices. Mounting cyber crime and the rising threat from Russia have led to a rethink, with residents now advised to keep enough cash at home for at least one week.
瑞典一直走在迈向无现金社会的国家的前列，《纽约时报》在2018年报道称，约有4000名瑞典人在手中植入微芯片，以支付旅行或食物费用，或进入无钥匙办公室。不断增加的网络犯罪和来自俄罗斯的威胁促使人们重新思考，现在建议居民在家里存放至少足够一周使用的现金。
While cash can help provide resilience in the event of an attack or collapse in the financial system, many consumers also turn to coins and notes for budgeting. A system known as “cash stuffing” – using envelopes for different categories of spending – has racked up hundreds of millions of views on TikTok, but security experts advise against keeping large amounts of cash at home.
虽然现金可以在金融系统遭受攻击或崩溃时提供抵御能力，但许多消费者也会使用硬币和纸币来进行预算。一种被称为“现金填充”的系统——用信封装不同类别的支出——在抖音上已经积累了数亿次的点击量，但安全专家建议不要在家里存放大量现金。
May Fairweather, a financial coach and executive director at the nonprofit organisation Talk About Money, said the financial industry wanted “frictionless” purchases because it made it easier for people to spend money.
非营利组织“谈论金钱”的财务教练兼执行董事梅·费尔韦瑟表示，金融业希望“无摩擦”的购买，因为这让人们更容易花钱。
“Cash adds friction, and that can be a good thing,” she said. “It gives people time to think and time to make proper decisions.” She also said thatnotes and coins remind people trying to budget that money is “finite”.
“现金增加了摩擦，这可能是一件好事，”她说。“这让人们有时间思考，有时间做出正确的决定。”她还表示，纸币和硬币提醒人们，钱是“有限的”。
The Financial Conduct Authority (FCA) says that about 3 million people continue to rely on cash, even as digital payments become more popular. It introduced rules last September requiring banks and building societies to ensure reasonable access to cash withdrawal and deposit services.
英国金融市场行为监管局表示，尽管数字支付越来越流行，但仍有大约300万人继续依赖现金。去年9月出台的规定要求银行和建房互助会确保合理的现金提取和存款服务。
A Treasury spokesperson said: “We recognise that cash continues to be used by millions across the UK. While we have no plans to mandate cash acceptance, individual businesses can decide which payment methods they accept, and new rules introduced by the FCA support those that do want to continue accepting cash by enabling business to make deposits.”
一位财政部发言人表示：“我们认识到，英国各地仍有数百万人在使用现金。虽然我们没有计划强制接受现金，但个人企业可以决定他们接受哪种支付方式，金融市场行为监管局推出的新规则支持那些希望通过允许企业存款来继续接受现金的企业。”
Gail’s, Itsu and Zizzi have been contacted for comment.
记者已联系了盖尔、Itsu和Zizzi请其置评。
-As more of us reject tapping and swiping, campaigners and politicians say the law should force retailers to accept coins and notes
“一项基本权利”：英国商业街连锁店和餐馆因拒绝接受现金而受到质疑
——随着越来越多的人拒绝按键和刷卡，活动人士和政客们表示，这项法律应该迫使零售商接受硬币和纸币
(A number of businesses are taking card payments only.)
（许多商家只接受信用卡支付。）
新闻：
Major high street chains and restaurants, including Gail’s bakery, Itsu and Zizzi, are being challenged by campaigners over their refusal to accept cash after a jump in consumers turning to notes and coins for daily spending.
由于越来越多的消费者在日常消费中使用纸币和硬币，包括盖尔面包店、Itsu和Zizzi在内的主要商业街连锁店和餐馆拒绝接受现金，这受到了活动人士的挑战。
Following a steady decline in cash payments over the last decade, consumer groups says the cost of living crisis has seen more people turning to the traditional payment method for day-to-day spending. In 2023, 1.5 million adults in the UK were using cash for daily spending, a four-year high.
消费者团体表示，在过去10年现金支付稳步下降之后，生活成本危机使更多人转向传统的支付方式进行日常支出。2023年，英国有150万成年人使用现金进行日常消费，创下四年来的新高。
Ron Delnevo, chair of the Payment Choice Alliance, which campaigns for the long-term future of cash services, said it was “completely unacceptable” that some stores were rejecting cash. The alliance wants new laws similar to those in some other countries requiring organisations and retailers to accept cash.
支付选择联盟主席罗恩·德尔内沃表示，一些商店拒绝现金支付是“完全不可接受的”。该联盟致力于推动现金服务的长期发展。该联盟希望出台类似于其他一些国家的新法律，要求组织和零售商接受现金。
“The vast majority of the public want cash to be honoured as a payment,” he said. “These businesses are letting down the public.” Delnevo said a survey conducted by YouGov in June 2023 on behalf of the alliance revealed that 71% of British adults would support a legal requirement for businesses to accept cash.
他说：“绝大多数公众希望以现金支付。这些企业让公众失望了。”德尔内沃表示，舆观在2023年6月代表该联盟进行的一项调查显示，71%的英国成年人支持法律要求企业接受现金。
Gail’s, which has more than 150 stores, says going cashless has “environmental benefits” in eliminating the need for cash collection and delivery. Itsu, which promotes “affordable, nutritious food” rolled out cashless payments after a successful trial, and Zizzi says it only accepts card and contactless payments for the “smoothest and fastest” payment experience.
拥有150多家门店的盖尔表示，无现金化有“环境效益”，因为它消除了收取和运送现金的需要。Itsu是一家推广“价格实惠、营养丰富的食品”的公司，在一次成功的试验后，它推出了无现金支付。Zizzi表示，为了获得“最顺畅、最快”的支付体验，它只接受信用卡和非接触式支付。
The coffee and bakery chain Pret a Manger has piloted cashless outlets but still accepts cash in most of its 490 shops in the UK. It found the cashless service was faster but decided against a wider roll-out in favour of customer choice.
咖啡和烘焙连锁店Pret a Manger已经试点了无现金门店，但在其位于英国的490家门店中，大多数仍接受现金。它发现无现金服务更快，但决定不广泛推广，支持客户选择。
The Treasury sext committee is expected to report shortly on its inquiry into whether there is any need to regulate or mandate the acceptance of cash. An early day motion tabled in parliament last month calls for the government to implement legislation to require all businesses in the UK to accept cash, but ministers have said they have no plans to mandate the acceptance of cash.
预计财政部特别委员会将很快就是否有必要监管或强制接受现金的问题进行调查。英国议会上月早些时候提交的一份动议呼吁政府实施立法，要求英国所有企业接受现金，但大臣们表示，他们没有强制要求接受现金的计划。
The motion highlights concerns at the “rapidly increasing trend for UK businesses, local authorities and leisure facilities, including those supported by taxpayer funding, to refuse to accept cash for payments”. Car parks, train buffets and leisure centres are among the services that have gone cashless.
该动议凸显了对“英国企业、地方当局和休闲设施（包括由纳税人资助的设施）拒绝接受现金支付的迅速增长趋势”的担忧。停车场、火车自助餐厅和休闲中心等服务都已实现无现金化。
Kate Osborne, the Labour MP for Jarrow and Gateshead East, who has signed the early day motion, said: “It is a fundamental right that people should be able to use cash as a legal tender. When you are trying to budget, particularly if you are on a low income, cash is a simple way of doing it. I understand that many people are not using cash much of the time, but there should be choice for all.
贾罗和盖茨黑德东区的工党议员凯特·奥斯本签署了早前的动议，她说：“人们应该能够使用现金作为法定货币，这是一项基本权利。当你试着做预算的时候，特别是如果你的收入很低，用现金是一个简单的方法。我知道很多人不经常使用现金，但所有人都应该有选择。
“We are seeing more and more retailers offering card-only payments, and it causes problems in constituencies like mine where we’ve got a high number of people who are digitally excluded or may choose not to do electronic banking.” Osborne said that cash can be more convenient. “I’ve been on trains before and the system [for the buffet] has gone down and they can’t take cash,” she said. “You could be on a train for three or four hours, and you can’t even buy a cup of tea.”
“我们看到越来越多的零售商只提供银行卡支付，这在像我这样的选区造成了问题，那里有很多人被数字排斥在外，或者可能选择不使用电子银行。”奥斯本说，现金可以更方便。“我以前坐过火车，（自助餐）系统坏了，他们不能收现金，”她说。“你可能在火车上坐了三四个小时，却连一杯茶都买不到。”
Use of cash has fallen dramatically in the last decade, from more than half of payments in 2009 to about 12% in 2023. Yet it is still the second most frequently used method of payment in the UK after debit card.
在过去十年中，现金的使用急剧下降，从2009年的一半以上下降到2023年的12%左右。然而，在英国，它仍然是仅次于借记卡的第二大常用支付方式。
Cash accounted for 6bn payments in 2023, with the number of people who mainly use cash rising from about 900,000 in 2022 to 1.5m in 2023, according to figures from the trade association UK Finance.
英国金融行业协会的数据显示，2023年现金支付总额为60亿笔，主要使用现金的人数从2022年的约90万增加到2023年的150万。
Ajay Banga, now president of the World Bank, revealed the roadmap of the finance industry in 2017 when, as chief executive of Mastercard, he stated in an interview: “My enemy is cash.” The international finance industry now faces resistance over its eagerness for cashless transactions.
现任世界银行行长的阿贾伊·班加在2017年透露了金融业的路线图，当时他作为万事达卡首席执行官在一次采访中表示：“我的敌人是现金。”国际金融业对无现金交易的渴望现在面临着阻力。
Sweden has been at the forefront of countries moving towards a cashless society, with the New York Times reporting in 2018 that about 4,000 Swedes had implanted microchips in their hands to pay for travel or food, or enter keyless offices. Mounting cyber crime and the rising threat from Russia have led to a rethink, with residents now advised to keep enough cash at home for at least one week.
瑞典一直走在迈向无现金社会的国家的前列，《纽约时报》在2018年报道称，约有4000名瑞典人在手中植入微芯片，以支付旅行或食物费用，或进入无钥匙办公室。不断增加的网络犯罪和来自俄罗斯的威胁促使人们重新思考，现在建议居民在家里存放至少足够一周使用的现金。
While cash can help provide resilience in the event of an attack or collapse in the financial system, many consumers also turn to coins and notes for budgeting. A system known as “cash stuffing” – using envelopes for different categories of spending – has racked up hundreds of millions of views on TikTok, but security experts advise against keeping large amounts of cash at home.
虽然现金可以在金融系统遭受攻击或崩溃时提供抵御能力，但许多消费者也会使用硬币和纸币来进行预算。一种被称为“现金填充”的系统——用信封装不同类别的支出——在抖音上已经积累了数亿次的点击量，但安全专家建议不要在家里存放大量现金。
May Fairweather, a financial coach and executive director at the nonprofit organisation Talk About Money, said the financial industry wanted “frictionless” purchases because it made it easier for people to spend money.
非营利组织“谈论金钱”的财务教练兼执行董事梅·费尔韦瑟表示，金融业希望“无摩擦”的购买，因为这让人们更容易花钱。
“Cash adds friction, and that can be a good thing,” she said. “It gives people time to think and time to make proper decisions.” She also said thatnotes and coins remind people trying to budget that money is “finite”.
“现金增加了摩擦，这可能是一件好事，”她说。“这让人们有时间思考，有时间做出正确的决定。”她还表示，纸币和硬币提醒人们，钱是“有限的”。
The Financial Conduct Authority (FCA) says that about 3 million people continue to rely on cash, even as digital payments become more popular. It introduced rules last September requiring banks and building societies to ensure reasonable access to cash withdrawal and deposit services.
英国金融市场行为监管局表示，尽管数字支付越来越流行，但仍有大约300万人继续依赖现金。去年9月出台的规定要求银行和建房互助会确保合理的现金提取和存款服务。
A Treasury spokesperson said: “We recognise that cash continues to be used by millions across the UK. While we have no plans to mandate cash acceptance, individual businesses can decide which payment methods they accept, and new rules introduced by the FCA support those that do want to continue accepting cash by enabling business to make deposits.”
一位财政部发言人表示：“我们认识到，英国各地仍有数百万人在使用现金。虽然我们没有计划强制接受现金，但个人企业可以决定他们接受哪种支付方式，金融市场行为监管局推出的新规则支持那些希望通过允许企业存款来继续接受现金的企业。”
Gail’s, Itsu and Zizzi have been contacted for comment.
记者已联系了盖尔、Itsu和Zizzi请其置评。
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